BlastPoint's Banking Scorecard
Heritage Bank
Micro
Specialty: Commercial
KS
FDIC cert 57548
Designations: ✓ Community bank
Topeka, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Heritage Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$311.1M
+118.7% YoY
+7.1% QoQ
|
+$93.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$231.9M
+89.1% YoY
+6.7% QoQ
|
+$92.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$235.1M
+96.3% YoY
+0.5% QoQ
|
+$51.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.14%
-1.5% YoY
-1.8% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.36%
+7.2% YoY
+6.8% QoQ
|
+0.51% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
55.32%
-7.0% YoY
+2.2% QoQ
|
-12.40% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.04%
-96.6% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
98.62%
-3.6% YoY
+6.1% QoQ
|
+24.09% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.28%
+79.4% YoY
-11.6% QoQ
|
-1.11% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.03%
-96.6% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
11.20%
+3.1% YoY
-5.7% QoQ
|
+2.34% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.09%
-27.8% YoY
+56.2% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Total Loans
Current: $231.9M · Tier avg: $139.2M
80
80th pctile
Efficiency Ratio
Current: 55.32% · Tier avg: 67.73%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
74
74th pctile
Total Assets
Current: $311.1M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $235.1M · Tier avg: $183.7M
56
56th pctile
Tier 1 Capital Ratio
Current: 11.20% · Tier avg: 8.85%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.28% · Tier avg: 22.39%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.62% · Tier avg: 74.53%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.62% · Tier avg: 74.53%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.28% · Tier avg: 22.39%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.20% · Tier avg: 8.85%
67
67th pctile
Total Deposits
Current: $235.1M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $311.1M · Tier avg: $217.5M
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
80
80th pctile
Efficiency Ratio
Current: 55.32% · Tier avg: 67.73%
82
82th pctile
Total Loans
Current: $231.9M · Tier avg: $139.2M